Stock fact sheet · data as of
Lufax Holding Ltd (LU): fair value, margin of safety and Wheel Score
Ticker symbol LU · Financial Services · Financial - Credit Services · China · ADR · Speculative
LU is an American depositary share (ADR): the US listing of Lufax Holding Ltd, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is LU undervalued?
Lufax Holding Ltd (LU) closed at 8.51 on 5 Nov 2026. The GLS average fair value - the simple average of the 1 valuation models that produced a positive number - is 43.72, which puts the price 81% below it. 1 of the 1 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The average is built from just 1 models (10 Cap) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files LU under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for LU
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 43.72 | +414% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -12.28 | -244% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 1.40 | -84% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Lufax Holding Ltd scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability LU scores 6.0/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are thin or negative - ROIC -1.4%, ROE -2.6%, ROA -1.0% - with debt at 0.90 times equity and negative free cash flow.
Lufax Holding Ltd pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 2/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | -1.4% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | -2.6% |
| Debt / equity | 0.90 | ROA | -1.0% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 2 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: Weak
With a Wheel Score of 39 Lufax Holding Ltd sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (139 open interest, 90 a day); and filter 2, a real business, not a gamble - speculative (a loss, or a weak Piotroski score); and filter 4, financially healthy - Piotroski 5/9 (under 6); and filter 6, no serious red flags - Red Flags score 35 (under 60); and filter 7, a premium worth selling - implied volatility 80% (over 80%); Red Flags (weak) is its weakest part.
Implied volatility is 80%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is thin - 139 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 609k shares a day on a market cap of $7.4B, with a beta of 0.61 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that good.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (139 open interest, 90 a day) |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Fails | Red Flags score 35 (under 60) |
| 7 | A premium worth selling | Fails | implied volatility 80% (over 80%) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 81% below fair value | |
| Premium | Fair | implied volatility 80% | |
| Moat | Good | moat 6.0/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Weak | Red Flags score 35/100 | |
| Option trading | Weak | 90 contracts a day, 139 open interest | |
| Stability | Good | beta 0.61, $7.4B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
Lufax Holding Ltd reports earnings on 17 Nov 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to Lufax Holding Ltd by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| OMF OneMain Holdings, Inc. | 57.97 | 207.52 | +72% | 82Good | $6.6B |
| FCFS FirstCash Holdings, Inc | 193.34 | 232.88 | +17% | 77Good | $8.3B |
| SLMBP SLM Corporation | 70.99 | 236.36 | +70% | 38No options | $6.4B |
| KLAR Klarna Group plc | 13.89 | 8.37 | -66% | 31Weak | $5.2B |
| CACC Credit Acceptance Corporation | 498.68 | 965.03 | +48% | 50Fair | $5.1B |
| SEZL Sezzle Inc. | 136.69 | 219.84 | +38% | 41Weak | $4.6B |
| NNI Nelnet, Inc. | 127.58 | 171.16 | +25% | 42Weak | $4.6B |
| ALLY Ally Financial Inc. | 39.36 | 70.99 | +45% | 83Good | $12.0B |
| ENVA Enova International, Inc. | 181.18 | 713.58 | +75% | 79Good | $4.4B |
| JSM Navient Corporation SR NT 6% 121543 | 15.59 | 45.78 | +66% | 29No options | $4.3B |
| KKRS KKR Group Finance Co. IX LLC 4. | 15.36 | 60.27 | +75% | 31No options | $13.6B |
| BFH Bread Financial Holdings, Inc. | 104.83 | 428.64 | +76% | 85Prime | $4.0B |
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Start free See the Sunday ScanQuestions about LU
Is LU undervalued right now?
By the GLS models, yes: at 8.51 the stock is 81% below the average fair value of 43.72 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of LU and what does it mean?
LU scores 39 out of 100 (Weak) - it fails Wheel Trade Filters 1, 2, 4, 6, 7. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for LU?
43.72 per share as of 5 Nov 2026 - the simple average of the 1 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Lufax Holding Ltd report earnings next?
The next earnings report is due on 17 Nov 2026 (after the close), 12 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does LU have listed options, and how liquid are they?
Yes. The nightly snapshot found 48 listed contracts with 139 open interest across all expiries and implied volatility of 80% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.
Is LU an ADR?
Yes. LU is an American depositary share (ADR): the US listing of Lufax Holding Ltd, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.